Centurion (55+)

Provide assistance with:

Computer software and hardware assessment, acquisition, and training for those individuals wanting to get into the technology even if just for email, games and the internet search arena.

Retirement evaluation of resources, financial security, asset allocation, adverse risk assessment and overall income from retirement assets that will continue through the retirement period. (We do not broker investments.)

Accounting services including:

• Check writing, accounting for receipts and disbursements, report summary for income tax reporting, tax projections during the year, tax preparation and tax planning.

• Estate planning to minimize estate taxes paid. Gifting annually to reduce estate, unique strategies for the long range protection of assets, using trusts under the right circumstances and other techniques to assure the succession of estate assets to taxpayers' descendents.

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Baby Boomers (39 - 55)

This generational segment usually tends to retire and become involved in other independent business or professional ventures.

Provide assistance with:

The formation of the operating entity, business planning, accounting systems and programs, the necessary forms required to be filed with various agencies, and providing bookkeeping services on a monthly basis.

Retirement assistance including a set plan of action, implementation of various vehicles available (IRA'S, SINGLE PERSON 401(k), ROTH, SIMPLE IRA, and others). Review of asset allocation of investments for optimum results, assist in the development of a target stream of income that will pay out over the retirement period required, and amount of assets required at a given date necessary to provide this stream of income. (We do not broker investments.)

Income tax planning over the retirement period, preparation of tax forms and review valid tax strategies.

Estate planning to minimize estate taxes paid, gifting annually to reduce estate, unique strategies for the long range protection of assets, using trusts under the right circumstances and other techniques to assure the succession of estate assets to taxpayers' descendents.

Accounting services include:

• Check writing, accounting for receipts and disbursements, report summary for income tax reporting, tax projections during the year, tax preparation and tax planning.

• Assistance with business or professional ventures. We provide assistance in the formation of the operating entity, financial projections, business plan, accounting systems and programs, the necessary forms required to be filed with various agencies, and provide bookkeeping services on a monthly basis.

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Generations X and Y (22 - 39)

This is a technology savvy group. Their computer knowledge is beyond most other generations. Asset accumulation for retirement is where our services can most effectively be applied. Retirement assistance including a set plan of action, implementation of various vehicles available (IRA'S, SINGLE PERSON 401(k), ROTH, SIMPLE IRA, and others). Review of asset allocation of investments for optimum results, assist in the development of a target stream of income that will pay out over the retirement period required, and amount of assets required at a given date necessary to provide this stream of income. (We do not broker investments.)

Financial, individual, and business planning and assistance in long-term tax and estate planning.

Accounting services include:

• Check writing, accounting for receipts and disbursements, report summary for income tax reporting, tax projections during the year, tax preparation and tax planning.

• Assistance with business or professional ventures. We provide assistance in the formation of the operating entity, financial projections, business plan, accounting systems and programs, the necessary forms required to be filed with various agencies, and provide bookkeeping services on a monthly basis.

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Widow/Widower

The greatest tragedy for all couples is the burden of the financial matters upon the death of a spouse. The lack of knowledge and understanding of the financial status can become overbearing.

Services provided include:

• Assist in the communication and knowledge of financial status of the individuals involved. Set up a current plan and outline of action to be taken upon the occurrence of a death.

• Prepare an outline of steps to take currently and subsequently consider a workshop with a small group. This would include the understanding of investments: types of investments, terminology and required assistance, as well as filing requirements for income taxes, estate taxes, final income tax returns, and discussion of questions derived by the group.

• Provide assistance with the requirements of a personal representative, executrix or a trustee, provide accounting assistance with the probate estate, and reporting to the court and beneficiaries.

Accounting services include:

• Check writing, accounting for receipts and disbursements, report summary for income tax reporting, tax projections during the year, tax preparation and tax planning.

• Assistance with business or professional ventures. We provide assistance in the formation of the operating entity, financial projections, business plan, accounting systems and programs, the necessary forms required to be filed with various agencies, and provide bookkeeping services on a monthly basis.

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Women

The historical increase and the projected future increase of women in business leads us to enhance and specifically extend our services to women. We want to assist women in achieving their financial goals and dreams. At Hunt, Spillman & Associates, p.c. we believe that women will have a great impact on the financial future. Our greatest assets are our employees with a major number of diversified and knowledgeable female staff. We look forward to the opportunity to advise and serve the growing number of women in the workforce and business.

For more statistics about women in the workforce, please see http://www.dol.gov/wb/stats/main.htm.

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